Noncancellable Policy – What It Means and Is It The Right Disability Insurance Option for You?

November 25, 2024August 22, 2024 by Justin Nabity

Key Takeaways Noncancellable insurance locks in fixed premiums and benefits for life. It’s more costly but prevents premium hikes or coverage changes. Policies expire at a set age, usually around retirement. Age, health, and specialty significantly influence premium costs. What Is a Noncancellable Insurance Policy? It’s a type of disability insurance policy that can’t be … Read more

How Much Does Disability Insurance Cost In 2025?

November 12, 2025June 7, 2024 by Justin Nabity

a person in a wheelchair talking on a cell phone

Everyone understands the importance of having health insurance and life insurance. But as a physician earning a sizable yearly salary, there’s one other type of insurance policy you need: disability insurance. If you become ill or disabled and can’t do your job, disability insurance will protect your assets and provide income for your family. But … Read more

Decoding the Data: Medical Malpractice Payouts by State

October 1, 2025June 7, 2024 by Justin Nabity

From analyzing test results to prescribing medications to performing delicate surgical procedures, physicians in all capacities do life-saving work. But practicing medicine doesn’t always go according to plan. And when it goes awry, there’s one thing you can count on: A medical malpractice lawsuit. Where do malpractice allegations happen the most, and which parts of … Read more

Life Insurance Retirement Plans [LIRP] & When To Get One

January 7, 2025June 6, 2024 by Justin Nabity

Key Takeaways A Life Insurance Retirement Plan (LIRP) is for high-income individuals, combining wealth accumulation with life insurance coverage. LIRP is best for those with significant disposable income who have maximized other retirement savings options and investors who are at least 15 years from retirement due to front-loaded costs. After the initial 10-15 years, policy … Read more

NSO Insurance: A Guide for Medical Professionals

November 18, 2024June 6, 2024 by Justin Nabity

No matter how experienced or dedicated they may be to their work, physicians must always carry malpractice insurance to protect themselves. There’s always the risk that a patient could file a malpractice complaint against them. While everyone knows that physicians need malpractice coverage, some may not realize they aren’t the only ones who need professional … Read more

Banner Life Insurance Review: Our Unbiased Analysis

December 27, 2024June 1, 2024 by Justin Nabity

As part of our ongoing series to guide physicians into making thoughtful, well-informed decisions before buying life insurance, today we’re taking a hard look at one company in particular: Banner Life Insurance. Here is our full provider review on Banner Life Insurance: is it the right insurance company for you? Banner Life Insurance: At a … Read more

How Much Does Malpractice Insurance Cost?

August 19, 2025December 20, 2023 by Justin Nabity

Regardless of your area of medicine, one thing all physicians worry about is the possibility of a malpractice suit.

It’s bad enough when mistakes happen and things go wrong with a patient in your care.

Being slapped with a malpractice lawsuit can make the experience even more devastating.

And that’s why malpractice insurance coverage is so important.

But what does it cover? How much does it cost? Why is it so crucial to have malpractice coverage?

Keep reading to learn how much malpractice insurance costs and why it’s so important.

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A Physician’s Guide to the Top Disability Insurance Companies

December 6, 2023October 15, 2023 by Justin Nabity

Physicians need disability insurance. Without it, a single illness or injury could significantly impact your financial security and your way of life.

Unfortunately, your employer’s group policy, employee benefits, and Social Security likely won’t be enough.

This article explains how to select a provider and the best disability insurance plan for you. Not only do we list our top picks for the best plans for physicians, but we’ll also discuss what to look for when choosing coverage.

Our disability insurance experts can help you find the best plan for you. Contact Physicians Thrive today to connect with one of our specialists.

Mortgage Provider Review: Mutual of Omaha

February 5, 2025July 5, 2023 by Justin Nabity

Mutual of Omaha is a brand name many people will recognize and for a good reason. This company has been around since the early 1900s. They get their name from the city they first called home – Omaha, Nebraska. Today’s Mutual of Omaha is a Fortune 500 mutual insurance and financial services company. They offer … Read more

Life Insurance Riders: Accelerated Death Benefit Explained

November 18, 2024June 13, 2023 by Justin Nabity

physician reviewing accelerated death benefit rider

All experts and beneficiaries aggress that life insurance is a crucial investment for anyone. It provides financial security to your family upon your demise. But do you know your life insurance can come through for you even when you are still alive with the accelerated death benefit rider? An accelerated death benefit (ADB) is a living benefit, … Read more

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